Free Business Finance Calculators

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Customer Acquisition Cost (CAC)

Measure your cost to acquire each new customer and how long it takes to pay back

Monthly marketing spend ($)

New customers per month

Average monthly revenue per customer ($)

Gross margin (%)

Cost to acquire each customer

Monthly gross profit per customer

Payback period

Payback < 12 months is generally healthy for service businesses. If your CAC is high, review which channel is driving the most acquisitions vs spend.

Want to know if your Google Ads spend is actually profitable? Book a free review →

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4-Week Cash Forecast

Project your cash position over the next four weeks to spot shortfalls before they hit

Current bank balance ($)

Expected weekly income ($)

Expected weekly expenses ($)

One-off payments this month (BAS, loan, equipment, $)

End of week 1

End of week 2

End of week 3

End of week 4

Red flag: if any week dips below your minimum operating buffer, you need a plan now, not when it happens. Talk to us about setting up a real cashflow forecast in Xero.

Want a proper 13-week cashflow forecast? Ask us how →

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True Cost of an Employee

Salary is just the start, see the total annual cost before you make the hire

Annual base salary ($)

State (for payroll tax)

Annual leave loading (%)

Equipment / setup (annual $)

Base salary

Superannuation (12%)

Leave loading

Payroll tax (est.)

Equipment & setup

Total annual cost

Payroll tax applies when your business's total wages pass the state threshold (VIC $1M, NSW $1.2M). This quick estimate excludes workers comp, paid leave time and billable hours. For the full picture, use our employee cost calculator.

Want cost per hour worked and a charge-out rate? Open the full employee cost calculator →

Not sure what to charge? How to price your services and products, with a free calculator →

Financing a vehicle or equipment? Business car & asset finance calculator and guide →

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Cash Burn Rate & Runway

Estimate how long your current cash will last at your current rate of spending

Cash on hand right now ($)

Average monthly revenue ($)

Average monthly expenses ($)

Monthly net burn

Cash runway

Cash out date (approx.)

If your runway is under 6 months, it's time for a cashflow plan, not a spreadsheet. We can model multiple revenue and cost scenarios in Xero.

Cash getting tight? Book an urgent call →

More free calculators & guides

Standalone tools and plain-English guides for the bigger decisions.

Business car & asset finance calculator

Work out repayments on a chattel mortgage, hire purchase or lease, with a plain-English guide to choosing finance.

Bookkeeping Health Check

Score your bookkeeping out of 100 in 2 minutes, see where you are leaking time, money or compliance risk, and what to fix first.

Free invoice generator

Make a GST-ready tax invoice with your logo and line items, then download or print it as a PDF. No sign-up.

GST calculator

Add or remove 10% GST from any amount, and see the GST portion instantly.

Sole trader tax calculator

Estimate your income tax, Medicare levy and take-home on your business profit, 2026-27 rates.

Super guarantee calculator

Work out the 12% super guarantee payable on a wage for 2026-27.

Payroll tax calculator by state

Estimate payroll tax for any state or territory on the 2025-26 threshold and rate.

How to price your services & products

A pricing and margin calculator, plus a guide showing how a small discount really hits your profit.

True cost of an employee

The full, loaded cost of a hire per year and per hour, including super, leave loading, workers comp and payroll tax.

Behind on your books? Catch-up calculator

See roughly how many BAS you are behind, the worst-case ATO penalty, and how a catch-up works.

Business name generator & checker

Brainstorm a business name around your keywords, then check it is free at ASIC, clear of trade marks, and available as a domain.

Popular how-to guides

Plain-English answers to the questions small business owners ask us most.

Healthy business benchmarks

AU-specific reference points for service businesses turning over $200k-$5M

Gross profit margin

50%+ for services, 30%+ for product/goods businesses. Below this, pricing or delivery cost is the issue.

Net profit margin

10-20% is healthy for a service SME. Under 5% means the owner is working for wages, not building equity.

Debtor days

Under 30 days for most service businesses. Over 45 days indicates collection or invoicing process problems.

Current ratio

1.5-2.0 means you can comfortably cover short-term obligations. Below 1.0 is a liquidity warning.

Cash burn / runway

Aim for 3+ months of operating expenses in cash at all times. Less than 6 weeks is a critical situation.

Superannuation rate

12% of ordinary time earnings since 1 July 2025. Under Payday Super (from 1 July 2026), super must reach the fund within seven business days of payday.

Free Download

Annual Payroll Audit Checklist

A practical, employer-ready checklist to review your payroll each year: award classifications, timesheet and roster sign-off, super and STP, WorkCover, long service leave and staff records. Built by a Registered BAS service provider.

Download the checklist

True Tally Bookkeeping is a Geelong and Surf Coast based practice supporting small businesses nationwide. As Xero Certified Partners and a registered BAS service provider (26360186), we handle bookkeeping compliance, detailed management reporting, BAS and payroll for Australian small businesses turning over $100k to $10m, across all industries including trades, health, professional services, ecommerce, farms and primary producers, year-round with fixed-fee, no lock-in service, plus optional fractional CFO support. Contact 0468 159 950 or info@truetally.com.au. Led by principal bookkeeper .

Business finance calculators,
free to use.